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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 reward points per ₹200
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | DBS Live Fresh Credit CardMastercard · DBS Bank India | Punjab National Bank Rakshak Credit CardVisa · Punjab National Bank | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | Punjab National Bank | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹10,000 |
Joining fee | ₹0Best | ₹500 | ₹10,000 |
Reward rate | 5X on online & 2X offline | 4 reward points per ₹100 | 15 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Mastercard | Visa | Visa |
Best for | online-shopping, lifetime-free | rewards | premium, rewards |
Apply |
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Punjab National Bank
4 reward points per ₹100 — Best for rewards.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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